\n“Referitor la ultimele ini\u0163iative legislative, \u00eentreb \u015fi eu public: cine va mai acorda credite imobiliare dac\u0103 se preconizeaz\u0103 prin lege c\u0103 rambursarea se va face \u00een cl\u0103diri?! Aceast\u0103 ini\u0163iativ\u0103 omoar\u0103 din start creditarea viitoare. \u00cen consecin\u0163\u0103, solu\u0163iile de tipul “credit dup\u0103 nevoi, ramburs\u0103ri dup\u0103 disponibilit\u0103\u0163i” dezechilibreaz\u0103 balan\u0163a \u00eentre debitorii actuali \u015fi viitori, nu are rost s\u0103-i \u00eempov\u0103r\u0103m pe viitorii debitori cu gre\u015feala din trecut \u015fi prezent. Este subminat\u0103 viabilitatea activit\u0103\u0163ii bancare”, a declarat mar\u0163i Is\u0103rescu la conferin\u0163a “Viitorul modelelor de business bancar”, organizat\u0103 \u00een cadrul evenimentelor dedicate anivers\u0103rii a 135 de ani de la \u00eenfiin\u0163area B\u0103ncii Na\u0163ionale a Rom\u00e2niei.<\/p>\n
\nEl a reamintit c\u0103 banii acorda\u0163i de b\u0103nci sub form\u0103 de \u00eemprumut sunt banii deponen\u0163ilor, care \u00ee\u015fi a\u015fteapt\u0103 banii \u00eenapoi \u00eempreun\u0103 cu o dob\u00e2nd\u0103, nu sub form\u0103 de “ferestre, case, acoperi\u015furi”.<\/strong><\/p>\n \nGuvernatorul a punctat c\u0103 b\u0103ncile nu urm\u0103resc acumularea de propriet\u0103\u0163i imobiliare depuse garan\u0163ie, nu sunt dezvoltatori imobiliari, nici agen\u0163ii imobiliare \u015fi nici institu\u0163ii de binefacere.<\/p>\n \n\u00cen ceea ce prive\u015fte solu\u0163iile post-criz\u0103 \u00een sistemul bancar, Is\u0103rescu a precizat c\u0103 vede o cre\u015ftere moderat\u0103 a creditului \u00een perioada urm\u0103toare, care nu ar mai putea \u00eenregistra o evolu\u0163ie precum cea din anii 2006-2009. Totodat\u0103, se va deplasa accentul dinspre volum \u00eenspre calitatea credit\u0103rii \u015fi va cre\u015fte importan\u0163a finan\u0163\u0103rii locale, at\u00e2t din punctul de vedere al resurselor locale atrase, c\u00e2t \u015fi al credit\u0103rii entit\u0103\u0163ilor locale, \u00een principal IMM-uri.<\/p>\n \n“Aceast\u0103 ultim\u0103 tendin\u0163\u0103, importan\u0163a finan\u0163\u0103rii locale pe partea de pasive \u015fi active, se \u00eenscrie nu numai \u00een Rom\u00e2nia, ci \u015fi la nivel european, \u015fi anume revenirea a circa 40% din b\u0103nci la un model clasic, cu finan\u0163are pe baza depoozitelor. Vom avea banking modern cu telefonul, dar cu metode clasice, revenim la metoda clasic\u0103 de creditare. Credit\u0103m agricultur\u0103 prim\u0103vara ca s\u0103 iei banii \u00eenapoi toamna (…) \u015fi atunci nici bancherii nu se vor mai pl\u00e2nge c\u0103 au ajuns agen\u0163ii imobiliare”, a mai spus guvernatorul.<\/p>\n","protected":false},"excerpt":{"rendered":" Orice ini\u0163iativ\u0103 legislativ\u0103 care prevede c\u0103 debitorii b\u0103ncilor pot restitui \u00eemprumuturile cu imobilele depuse garan\u0163ie pentru credite va descuraja total creditarea, consider\u0103 guvernatorul BNR, Mugur Is\u0103rescu, care a \u00eentrebat cine va mai acorda finan\u0163\u0103ri imobiliare \u00een aceste condi\u0163ii.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[485,7353],"class_list":["post-122394","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-credite","tag-isarescu"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/122394","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=122394"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/122394\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=122394"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=122394"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=122394"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}